To be eligible for a California earthquake insurance policy from Western Mutual, we require our customers to carry a Homeowners’ Insurance policy with us.
At Western Mutual Insurance Group, we underwrite our own insurance policies rather than participate with the California Earthquake Authority. Our coverage provides you with the peace of mind that your home will be protected during even the most devastating disasters.
Our earthquake coverage includes the following benefits:
The property is covered up to the base dwelling coverage limit and is subject to a 15% deductible. Our policy also includes $5,000 coverage on personal property as well as $1,500 on loss of use, such as when the home is deemed uninhabitable and you need a temporary living situation and daily essentials.
How Do We Decide Our Coverage?
The Earthquake Dwelling Structures limit is mirrored off the homeowners’ insurance base dwelling amount. There is no Extended Replacement Coverage under the Earthquake Policy and the coverage is subject to a 15% policy deductible. For more information about our earthquake coverage and rates, please give our agents a call at 1-877-968-8825.
Start here to learn more about what a California homeowners’ insurance policy through Western Mutual can start doing for you. Whether you’re a new homeowner looking for the best rates with the best coverage or you’re looking to switch, our California homeowners’ policy can provide you with the most affordable, industry-standard coverage in the state.
Already have an extensive and affordable California homeowners’ insurance policy with us? Find out here how you can add more coverage for earthquake risk all while keeping your primary homeowners’ insurance rates reasonable.
Live in a flood zone that requires you to have flood insurance for your home or looking to secure extra coverage for additional protection? Visit our Flood Insurance page to find out how to incorporate Flood Insurance with your existing Homeowners’’ Insurance policy with us. Also, learn how you can switch your Homeowners’ policy to us while keeping a comparable Flood Insurance rate.
If you’re planning on or are already renting your house out to tenants, Western Mutual is here to provide you with top-notch protection for your investment property. We can advise you on how to add rental coverage in addition with your primary residence.